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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Company Lenders in Tulsa
Updated February 5, 2026
Market Overview
33
Total Lenders
11,045
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,050 | +0.375% | 733 | |
2 | ASSOCIATED MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,511 | +0.339% | 1,436 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,560 | +0.417% | 725 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,840 | +0.227% | 407 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,940 | +0.056% | 101 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,002 | +0.458% | 67 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,880 | +0.402% | 34 | |
8 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,109 | +0.645% | 349 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,478 | +0.789% | 101 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,131 | +0.642% | 87 | |
11 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,264 | +0.080% | 34 | |
12 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,800 | +0.689% | 110 | |
13 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,973 | +0.520% | 74 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,786 | +0.860% | 67 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,495 | +0.221% | 52 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,325 | +0.523% | 49 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,591 | +0.538% | 48 | |
18 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,990 | +0.791% | 46 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,015 | +0.365% | 44 | |
20 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $2,612 | -0.269% | 44 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,236 | +0.435% | 42 | |
22 | LENDLO MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,287 | +0.668% | 289 | |
23 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,992 | +0.554% | 265 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $834 | +0.579% | 263 | |
25 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,088 | +0.747% | 163 | |
26 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,754 | +0.526% | 123 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,656 | +0.471% | 58 | |
28 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,938 | +0.495% | 32 | |
29 | DEVELOPER'S MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | Sound | $3,191 | +0.703% | 34 | |
30 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Strong | $3,108 | +0.645% | 151 | |
31 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,340 | +0.382% | 64 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $5,675 | +0.287% | 26 | |
33 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Mediocre | Sound | Acceptable | Sound | $2,264 | +0.660% | 57 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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